Match with trusted UK lenders who understand engineering

Fast Business Loans connects engineering and manufacturing businesses with lenders and specialist brokers who understand industry cycles, capital expenditure and long payment terms. We introduce you to partners who can help secure funding quickly and transparently.

• Asset & equipment finance from £10,000 up to multi-million projects
• Working capital, invoice & contract finance to smooth cashflow
• No-obligation, free eligibility check — enquiries do not affect credit score

Get Started – Free Eligibility Check

Fast Business Loans is an introducer, not a lender. Submitting an enquiry is not an application and will not automatically trigger lender credit searches.

Why engineering firms need specialist business finance

Engineering businesses face capital-intensive demands: replacing or upgrading CNC machines, investing in automation, funding bespoke projects and managing long lead times between contract completion and payment. These sector-specific pressures make generic bank loans an imperfect fit.

Common challenges include:

• High upfront capex for machinery and automation
• Long payment cycles and retention clauses on contracts
• Seasonal or project-based cashflow peaks and troughs
• Need to finance export contracts or overseas suppliers

Specialist lenders and brokers that know engineering can tailor terms, recommend asset-backed finance or contract-based funding, and help you preserve working capital while growing capacity.

See if your engineering business qualifies

How Fast Business Loans supports UK engineering companies

We make the funding search fast and efficient. Our four-step process is designed for busy directors who need results without endless paperwork.

Step 1: Quick engineering finance enquiry

Complete a short form telling us what you need — amount, purpose and a few business facts. This is an eligibility check, not a loan application.

Step 2: Tailored matching

We match your enquiry to lenders and brokers with relevant engineering experience — for example, asset finance for CNC, invoice finance for contract works, or project finance for large capital projects.

Step 3: Rapid contact from partners

Selected partners contact you to discuss options and may request documents to provide indicative terms.

Step 4: Compare offers & decide

Review any quotes you receive and choose the lender that fits your timing, cost and security preferences. There’s no obligation to accept any offer.

Privacy & data: We only share enquiry details with partners who can help your request.

Start Your Engineering Finance Enquiry

Funding options available for engineering & manufacturing firms

Engineering businesses can access a range of finance products. Below are the most common solutions and how they typically apply:

• Asset finance (machinery, CNC, robotics) – Spread the cost of new or used machinery over its useful life; typical terms 1–7 years.
• Equipment leasing / Hire Purchase – Lease or buy via HP to preserve working capital; for specialised engineering equipment.
• Working capital / cashflow loans – Short-term facilities to cover payroll, materials or bridging gaps between invoices.
• Invoice finance – Release cash locked in unpaid invoices or retentions, useful for project-based work and exports.
• Project & contract finance – Facilities structured around a contract’s cashflow, often used for large or staged projects.
• R&D tax credit advances – Early access to expected R&D refunds for eligible manufacturers and engineering firms.
• Commercial mortgages / property finance – Purchase or refinance premises used for manufacturing or workshops.
• Refinance & consolidation – Restructure existing borrowing to improve monthly cashflow.

Subject to lender terms, affordability checks and status.

For a deeper industry overview see our pillar on engineering business loans.

Discuss your funding priorities with a specialist broker

Who we can help & what lenders look for

Engineering businesses we commonly serve

We work with SMEs and scale-up engineering companies such as precision manufacturers, mechanical & electrical contractors, renewables installers, aerospace and automotive supply-chain businesses, and fabrication shops seeking £10k-plus facilities.

Information that strengthens your enquiry

You don’t need every document to make an initial enquiry — but having the right information speeds up the process:

• Latest management accounts and VAT returns
• Order book / contract pipeline and anticipated margins
• List and age of machinery (for asset finance)
• Debtor ledger and sample invoices (for invoice finance)
• Project schedules, purchase orders and client contracts
• Details of any R&D claims or capital allowances

Share a few details – get matched to suitable lenders within 24 hours

Why use Fast Business Loans instead of going direct to a bank?

Direct approaches to a single bank can be slow and restrictive. Using our introducer service gives you:

• Sector expertise — partners who understand engineering cashflows and asset lifecycles
• Broader choice — multiple lenders and specialist brokers competing for your business
• Faster matches — we shortlist appropriate partners so you avoid wasted applications
• Time-saving — one short form connects you to multiple options
• No cost to you — our service is free and without obligation

“We secured equipment finance for new CNC kit within two weeks after our enquiry — saved time and found a lender who understood our contracts.”
Client feedback (indicative scenario; individual results vary)

Get a tailored shortlist of engineering lenders

Popular finance scenarios in the engineering sector

Expanding CNC capacity to fulfil new contracts

A mid-sized subcontractor needed three CNC machines to meet a large new contract. Solution: asset finance over five years preserving working capital. Typical timeline: 7–21 days to an indicative offer.

Bridging cashflow during long payment cycles

A fabrication business with long retentions used invoice finance to unlock funds tied up in staged invoices. Result: steady cashflow to pay suppliers and avoid late delivery penalties.

Funding Industry 4.0 upgrades

An engineering SME invested in automation and robotics to increase capacity. Mix of asset finance and a short-term working capital facility minimised upfront cost.

Illustrative examples for guidance only. Actual outcomes depend on lender criteria and business circumstances.

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How quickly could your engineering business secure funding?

1. Day 0 — Submit short enquiry (takes under 2 minutes).
2. Same day — We match to relevant lenders/brokers and share your details.
3. 24–48 hours — Partner contacts you for an initial discussion.
4. 3–14 days — Indicative offers or term sheets for standard asset and invoice finance.
5. 2–8+ weeks — Completion for larger, secured facilities or property finance depending on valuation and legal processes.

Speed depends on facility type, size, documentation and whether security or valuations are required.

Submit your enquiry now – we’ll connect you today

What to expect on rates, fees and risk

Rates and fees vary by product, lender and borrower profile. Indicative ranges (for guidance only): asset finance from c. 5–12% APR; unsecured working capital and invoice finance rates are typically higher. Arrangement fees, valuations and legal costs may apply.

Managing risk in engineering finance

• Stress-test cashflow for slower-than-expected payments
• Plan for interest rate movements on variable facilities
• Keep clear records of asset maintenance and warranties
• Discuss repayment flexibility and covenants with brokers

All finance is subject to status, affordability checks and lender terms. Fast Business Loans does not provide financial advice; consider independent advice for complex decisions.

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How to strengthen your engineering finance application

Quick wins to improve your chances:

• Ensure management accounts and VAT returns are up to date
• Prepare a clear order book and project pipeline summary
• Itemise machinery with age, value and any existing finance
• Document key contracts, purchase orders and client credit terms
• Check director credit records and resolve discrepancies

Having this information ready accelerates partner responses and improves the quality of the quotes you receive.

Get Started – Free Eligibility Check

Ready to explore engineering finance options?

Fast Business Loans saves you time by connecting you to specialist lenders and brokers who understand engineering and manufacturing. We only ask for a few details to match you quickly — no obligation and no impact to your credit score.

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If you’d prefer a call-back, include your phone number in the enquiry and a partner will be in touch.

Engineering Business Loans FAQs

Are you a direct lender or a broker network?

We are an introducer that connects enquiring businesses with lenders and brokers. We do not lend directly or give regulated financial advice.

Can start-up engineering companies apply for finance?

Yes. Some partners consider younger companies, particularly where directors have sector experience or where a solid business plan and pipeline exist. Funding is subject to lender criteria.

Do you arrange finance for used machinery?

Many partners will finance used equipment depending on condition, age and market value. Provide asset details in your enquiry for a faster response.

What information do lenders need for large contracts?

Typical items: contracts or purchase orders, client creditworthiness, project cashflow schedule, cost breakdown and any retention terms.

Will my enquiry affect my credit score?

No — completing the Fast Business Loans enquiry does not affect your credit score. Lenders may perform checks only if you progress with a facility.

What is the typical loan size for engineering companies?

We handle enquiries from around £10,000 upwards. Many partners can support million-pound plus facilities for larger projects.

Can I apply if I’ve been turned down elsewhere?

Possibly. Because our panel is broad, an alternative lender or specialist broker may be able to help where others could not. Provide full context in your enquiry.

Do you support green or sustainable engineering projects?

Yes — lenders increasingly offer sustainability-focused finance for energy-efficient machinery, renewables and low-carbon upgrades. Include project details in your enquiry.

Compliance & disclosure

Fast Business Loans is an introducer that connects UK engineering businesses with finance brokers and lenders. We do not lend or give regulated financial advice. Finance is always subject to status, affordability checks and lender terms. Submitting an enquiry is a free, no-obligation eligibility check and does not constitute an application.